Job Description

A reputable and rapidly growing organization is seeking the services of smart, confident, performance-oriented and experienced professionals to occupy the position of Risk Officer.

RESPONSIBILITIES AND TASKS

• To perform credit risk assessment reviews on loan files prior to final approval and disbursement
• To participate in the development or design of risk reporting tools.
• To support the Risk Manager in the identification of Operational and Market related risks, generating adequate documentation and control tools where applicable.
• To document and provide reports on all reviewed credit files, supporting development of risk-based controls and input for training.
• To support the Risk Manager in supporting the management of delinquency and Credit Risk Related losses using segmentation tools to guide proactive collection efforts.
• To champion the implementation of the Risk and Control Self-Assessment (RCSA) as a key framework in promoting operational risk awareness, culture and management

Required Skills or Experience

Career Profession (suggested):

• Minimum of BSc/BA in Economics, Finance, Mathematics, Statistics, or Business.

The Risk Officer requires:

• Advanced skills in any/all the following areas: microcredit lending, Credit Risk Modeling/Analysis, banking operations and financial knowledge.
• Knowledge of Portfolio Risk/Management within financial business. 
• Clear understanding of portfolio risks related to microcredit delivery, default factors, vintage and delinquency trends.
• Knowledge of credit, operations and market risks.
• Knowledge of standard reports required for Credit Business Management

Experience Required

• Experience of 2 to 3 years in individual lending and/or banking operations in a bank or MFI. In exceptional cases of high caliber and proven achievements in a management position in an MF organization, the term of experience and/or qualification may be reduced.
• Background in financial analysis with Ms-Excel, statistics or programming is ideal.

Attitudinal profile:

• Adaptability, Analysis & judgment, Oral and presentation skills, Customer service oriented, Excellent writing skills, Innovative, Strong interpersonal relationships, Ability to sell ideas and ‘think outside the box’

Specific skills:

• Basic accounting knowledge, Basic marketing skills, Knowledge of credit & operational processes, Computer/technical skills, Knowledge of Statistics and/or financial analysis. In addition, practical knowledge in Spreadsheets and other Microsoft applications is highly required.

Personal Attributes

• Adaptability
• Analysis & judgment
• Oral and presentation skills
• Customer service oriented
• Excellent writing skills
• Innovative
• Strong interpersonal relationships
• Ability to sell ideas

Skills and Competencies

• Basic   accounting   knowledge
• Basic   marketing   skills  
• Knowledge   of   operational   processes
• Computer/technical skills
• Knowledge of Statistics and/or financial analysis.
• Practical knowledge in Spreadsheets and other Microsoft applications highly required.